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Failure to Give "Mini-Miranda" Warning

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While companies owed debts have certain rights, the behavior of third-party debt collectors is highly regulated, thanks to the Fair Debt Collection Practices Act (FDCPA). The complaint for this class action claims that debt collector Systems & Services Technologies, Inc. did not adhere to proper practices when it attempted to collect a debt from the plaintiff Chavez in this case. Specifically, its initial letter did not inform Chavez that he had thirty days to dispute the debt, and in a follow-up telephone message it did not give him the “mini-Miranda” warning.